In 1981, Oxford’s founder, Jeffrey H. Thomasson (Jeff), advanced an innovative idea during his MBA studies. His
insight was that financial advisors could not be totally objective while receiving commissions from the
companies they were recommending. The only way to be truly objective was to forsake such incentives and
work on a fee-only basis. Jeff put this idea into practice as he was creating Oxford.
Oxford is dedicated to enhancing the financial lives and enriching the family legacies of clients, as well as the
institutional clients with whom we work. As a privately held financial and investment advisory firm, we offer
independent, unbiased financial counsel focused on our clients’ unique needs and priorities. While this
independence provides our clients with highly personalized services, Oxford offers a wide range of services,
access to global investment opportunities and multi-generational estate and financial planning strategies.
When Jeff founded Oxford, his vision was to create an entity that was committed to the communities and
constituents which it serves and one that has pride in its independence, objectivity and thoughtful counsel for
families who trust their net worth to Oxford’s organization. Jeff continues to do this today under Oxford
Financial Group, Ltd. LLC, which conducts business as Oxford Financial Group, Ltd.™ (“Oxford”).
FAMILY OFFICE SERVICES
For decades, successful families have found synergy and success in family offices through their application of
sophisticated administrative assistance, investment planning and evaluation, a broad range of integrated
financial and personalized services, trust management, tax and estate planning, accounting, insurance planning,
property management and bill paying. These family offices provide financial services that allow family members
to proactively focus on their family’s wealth.
Continuity of family relationships is very important to such affluent families. Oxford’s Family Office Services
(FOS) are driven solely by each family’s needs, desires and circumstances. An Advisory Agreement must be
entered into and executed by all parties in order to engage FOS. As with all of Oxford’s services, the Family Office
Services are fee-only with complete focus on independence and objectivity.
Oxford offers the advantages of the family office to its clients in the same manner as the traditional one-family
office. Oxford’s Family Office Services include:
Financial Planning
The purpose of personal financial planning is to develop a comprehensive financial plan. Oxford’s FOS services
begin with an intensive fact-finding session which helps Oxford become intimately familiar with the client’s
current financial situation (including among other things, income taxes, investments, insurance planning, estate
affairs and family circumstances), as well as their personal goals and priorities for the next several years.
Oxford will then prepare a detailed financial plan which documents the client’s situation, identifies all areas
which will be impacted and makes specific goal-oriented recommendations. Oxford’s specific goal-oriented
recommendations are designed to educate and allow a client to coordinate his/her financial affairs more
efficiently, manage cash flow, prudently reduce taxable income and transfer taxes and attempt to improve
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his/her overall net worth.
Investment Planning for Family Wealth
With respect to investment planning for family wealth, Oxford will develop an Investment Policy Statement (IPS)
and an asset allocation. Both are designed to help generate superior long-term results while reducing investment
volatility through what Oxford deems to be efficient diversification. Based on the family client’s investment
strategy, Oxford recommends its own investment products, appropriate outside money managers, brokerage
firms, insurance companies, etc., to implement the asset allocation strategy. Oxford provides comprehensive
monitoring of clients’ accounts with the goal of helping its family clients realize expected returns.
Family Strategic Planning
In general, family strategic planning helps Oxford’s Family Office Services clients with the selection and
appointment of professional advisors who will provide counsel to them during their lifetime, as well as to their
trusts and their
descendants.
Fiduciary Services
Oxford may in some circumstances and, at the client’s request, serve as an investment adviser to their trust or
refer clients to The Trust Company of Oxford™ (TCO) (please refer to Item 10 for a description of TCO’s services).
CHIEF INVESTMENT OFFICER SERVICES
Oxford offers Chief Investment Officer (CIO) services to individuals, families and institutional clients, such as
qualified retirement funds, not-for-profit organizations, endowments or foundations, seeking to improve
portfolio returns. An Advisory Agreement must be entered into and executed by all parties in order to engage
CIO services. Oxford’s CIO services typically include the following components:
Investment Policy Statement (IPS)
An IPS is a written document that articulates the specific goals and objectives for a given investment portfolio.
Included in a typical IPS are the following:
• Background information
• General objectives
• Asset allocation targets
• Investment restrictions and constraints
• Terms for Discretionary Authority, if applicable (please refer to Item 16)
Investment Manager Search, Selection and Due Diligence
The Oxford Investment Fellows® (OIF) conducts the investment manager search and selection, which then
includes the recommendation of specific money managers to fulfill the asset allocation requirements called for in
the IPS. OIF monitors the investment manager performance.
Firms included in their search efforts are managers of mutual funds, ETFs, alternative investments, private
investments and separate accounts. Oxford utilizes various databases as the primary quantitative source for
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screening potential money management organizations against the search criteria established by OIF.
Performance Measurement and Monitoring of Investment Managers
Oxford monitors, aggregates and analyzes the performance data of investment managers selected by Oxford.
Monitoring also includes regular contact with these investment managers with regard to changes in the
manager’s organization, continuity of portfolio management personnel, and investment outlook.
CLIENT-TAILORED SERVICES
M25 Counsel
M25 Counsel is a highly customizable service, allowing Oxford to encompass a client’s family’s multi-generational
assets, no matter where they are invested. Through this service, Oxford can help develop and implement a road
map for long-term estate and financial planning.
Generally speaking, Oxford seeks to look beyond the assets it is charged with, in an effort to build an integrated
view of a client’s entire multi-generational asset portfolio.
Oxford will analyze holdings, both individually and in total and offer insights and recommendations related to a
client’s current situation, portfolio diversification and allocation while coordinating with client’s tax professionals
and outside counsel in an effort to better manage potential estate tax obligations.
Swindon Transition Counsel® (Business Succession Planning)
Swindon Transition Counsel® provides solutions for business owners who are seeking a successful transition of
the ownership, control and/or management of their business. It is a coordinated, comprehensive and objective
approach that aligns the owner’s personal and business goals to support full or partial transition of the business.
Entrepreneurial Advisory
This service assists families and individuals with closely-held or family businesses with their personal finances
and estate planning. Oxford provides solutions for cash management, profitability, leverage, tax considerations,
insurance planning and exit strategies. In addition to extensive in-house resources, Oxford works with
investment bankers, CPAs, tax lawyers, insurance professionals and business attorneys. Oxford can make
introductions and manage the interactions so that the work is integrated under a common vision.
WRAP-FEE PROGRAMS
Oxford does not participate in wrap-fee programs.
CLIENT ASSETS UNDER MANAGEMENT (AUM):
Oxford’s Assets Under Management as of December 31, 2023 are:
Assets Under Management: $18,201,054,484
Discretionary: $ 7,788,532,829
Non-Discretionary: $10,412,521,655
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